Fully underwritten cover
NobleOak cover is fully underwritten. That means we ask you about your health history and lifestyle when you apply for cover, and we tailor your cover and premium to the answers you provide. As long as your answers are honest and complete, your cover will not be subject to additional verification at claim time.This means greater certainty for you and your family if a claim eventuates.
Comprehensive secure cover
Our products are sold directly to the public and also through advisers, so you know that the cover stacks up with the bigger brands.
Products with global backing
NobleOak Life insurance policies are secure and protected by the third-largest global reinsurer, Hannover Life Re.
Over 138 years of experience
We are one of the most established Life insurers in Australia, formed in 1877.
Regulated financial services company
We are regulated by the Australian Prudential Regulation Authority (APRA) and hold an Australian Financial Services Licence (AFSL) issued by ASIC.
We are a proud member of the Customer Owned Banking Association (COBA), the industry body for the Australian mutual financial services sector and friendly societies.
Once issued, our cover provides 24/7 protection when you travel internationally.
Accidental death cover at no additional cost during assessment
We provide Accidental death cover at no additional cost during the application assessment period. Also, if any medical details are required for us to fully assess your application, we will cover these costs.
As long as premiums are paid, we guarantee to renew your insurance cover each year until expiry. Your insurance cover will not be cancelled nor your premiums increased due to any change in your state of health, occupation or pastimes, unless you are applying for additional cover.
Cover remains if health changes
Once your cover has been accepted, your future premiums and cover will not be affected by any changes in your health occurring after the cover has been issued.